5.704
Revenue$B
6.386
6.565
6.795
7.208
7.534
7.960
8.340
8.626
9.035
9.283
6.226
4.26%
4.13%
12
25.39
Revenue growth%
8.84
7.48
9.36
10.10
8.81
7.53
5.09
4.44
4.76
5.31
19.40
5.09
7.50
12
28.30
Combined R.%
88.43
87.61
88.62
89.46
89.91
87.60
87.85
88.41
88.54
89.60
2.90
88.41
88.49
88
21.99
Operating margin%
30.94
29.03
27.92
25.46
28.16
25.21
23.99
22.51
22.15
24.99
23.14
23.99
25.33
60
9.74
Net margin%
18.32
21.10
21.93
21.53
23.09
20.16
19.83
20.24
21.16
19.67
13.76
20.16
20.67
27
13.47
P/E ratio (avg)x
40.67
43.36
48.64
46.15
42.65
41.42
47.38
52.83
56.51
59.92
8.906
52.83
46.77
55
32.83
P/TBVx
26.69
23.80
25.32
25.97
22.88
22.94
23.55
21.35
19.25
20.98
15.42
21.35
23.24
65
6.014
P/Bx
27.76
26.29
24.70
24.70
28.65
27.68
30.94
29.34
31.76
33.45
9.395
30.94
28.20
22
5.91
Prem. grth%
5.08
2.90
3.77
2.24
5.08
5.55
3.73
1.69
0.40
2.67
2.87
2.67
3.32
62
8.25
Invest. yld%
10.39
7.65
8.94
9.99
12.41
12.79
10.82
10.73
11.41
8.42
14.41
10.82
10.56
29
18.47
BVPS grth%
7.73
5.60
3.04
1.45
0.40
2.58
0.40
0.64
0.40
2.80
5.24
0.64
2.01
54
5.81
Return on equity%
8.63
9.55
8.73
11.14
13.71
15.19
15.77
13.24
12.38
15.18
24.21
15.18
12.81
30
7.03
Return on assets%
1.69
0.40
1.78
1.76
0.40
3.20
1.99
0.40
3.13
3.76
5.71
3.13
1.77
19
3.45
EPS$
0.59
0.63
0.63
0.70
0.76
0.67
0.73
0.74
0.69
0.75
3.55
(0.05%)
1.76%
—
8.10
EPS growth%
15.02
14.47
12.64
15.45
18.12
20.28
22.79
20.06
17.45
16.20
9.90
20.06
16.82
67
1.31
Bookvalue per sh$
1.79
2.02
2.31
2.31
2.23
2.12
2.21
2.11
2.20
2.49
3.76
2.30%
2.72%
—
1.67
TBV/sh$
3.98
4.31
4.79
5.44
5.22
6.04
6.68
7.51
8.39
9.14
3.16
11.85%
9.86%
—
0.51
Dividend per sh$
3.36
3.94
4.40
4.45
4.54
5.17
5.30
5.37
5.25
5.36
2.33
3.39%
5.23%
—
2.20
Div yield (avg)%
23.07
20.66
20.36
18.52
20.51
19.14
19.85
19.36
16.88
16.70
10.78
19.14
19.61
41
2.77
Payout ratio%
26.10
28.13
27.40
26.46
28.20
27.50
28.31
27.90
30.70
30.05
8.55
28.31
28.02
78
1.283
Shares (diluted)B
1.771
1.908
1.991
1.924
2.020
2.090
2.234
2.526
2.708
3.170
1.256
9.42%
6.39%
69
29.26
Buyback yield%
23.91
25.28
24.38
27.29
25.08
24.23
23.93
24.65
24.69
27.60
24.22
24.65
24.67
80
0.703
D/E ratiox
1.367
1.257
1.201
1.301
1.416
1.437
1.393
1.300
1.409
1.531
1.723
1.409
1.380
67
5.891
Assets$B
29.60
30.98
33.07
37.17
40.39
41.34
46.51
51.30
55.13
62.12
7.704
8.99%
9.02%
11
5.859
LT debt$B
2.968
2.650
2.787
2.679
2.469
2.233
2.033
1.881
1.909
2.003
3.151
(4.10%)
(3.13%)
36
Revenue
$9.283B
4.13%
1.00×
Claims and benefits
$4.869B
3.93%
0.98×
Total costs
$7.680B
4.16%
1.00×
Spread over hurdle
(0.19%)